Uninsured/Underinsured Accident Attorneys
What Is Uninsured & Underinsured Motorist Protection?
Uninsured and Underinsured Motorist Protection (designated UM/UIM) is a type of coverage under your own insurance policy. Pennsylvania law requires that every automobile insurance policy issued must offer the insured the option to purchase Underinsured and Uninsured Motorist Protection.
The law is so clear and strong, that the only way an automobile insurance policy may be issued without providing this protection is if the insurance company provides the insured with a specific Waiver Form written by the State of Pennsylvania, and has the insured sign and date that form.
Unfortunately, some insurance companies make it extremely difficult to file for a UM/UIM claim and do not honor claims in good faith. It doesn't matter if you've paid coverage for months, or even years, they will resist paying fair value.
Why You Should Have Uninsured/Underinsured Motorist Coverage
For many people, price is the primary (perhaps even the only) consideration when purchasing auto insurance. For them, paying extra for UM/UIM coverage just seems like throwing money away.
But if you are involved in a serious accident, the presence of UM/UIM coverage on your policy may be the difference between receiving fair compensation for your injuries or being forced to take whatever you can get from an uninsured or underinsured defendant.
What Is the Minimum UM/UIM Coverage Required in PA?
In Pennsylvania, a huge number of people carry only the minimum coverage required by law.
Minimum coverage required:
- $15,000 per injured person
- $30,000 per accident
These amounts are wholly inadequate to provide compensation for even moderately serious injuries. If your injuries are severe, being struck by a motorist with minimum coverage is only marginally better than being struck by one with no coverage at all.
Purchasing UM/UIM coverage allows you to take control of your financial security in case of an accident rather than gambling that the person who hits you will be financially solvent and well insured. This is a dangerous bet to make.
Of course, even if you have UIM coverage, getting compensation is not always easy. UIM carriers often fight just as hard as the underlying defendant to minimize your injuries and their obligation to pay compensation.
Need Help Filing an UM/UIM Claim? Request a Consultation Today
While being involved in an auto accident caused by another driver is difficult, being the victim in an accident caused by an uninsured or underinsured motorist can and often will add a layer of complexity to your claim experience.
With that said, victims of auto accidents caused by an uninsured or underinsured driver may be able to be compensated by their own insurance company if they have uninsured/underinsured motorist coverage. If your insurance policy states that the Underinsured and Uninsured Motorist Protection has been waived or your insurance company has denied benefits, you should call Mayerson Injury Law, P.C. for an immediate consultation.
We will ensure that the insurance company has complied with Pennsylvania law. If it has not, our firm will work to ensure you are provided with the Underinsured and Uninsured benefits to which you would then be entitled.
Our experienced personal injury firm serves clients throughout Montgomery, Chester, and Berks counties, including Collegeville, Royersford, Boyertown, Gilbertsville, Douglasville, and Phoenixville. Give us a call at (610) 492-7155 or contact us online to schedule an appointment.
Retired School Custodian $2,650,000
Injured Good Samaritan $1,965,000.00
Reckless Driver Car Accident $1,600,000.00
Head On Collision Case $1,150,000.00
Young Single Mother Permanently Disabled in Head-On Collision $1,150,000.00
Father of Three $1,130,000.00
Truck Driver $1,075,000.00
Underinsured Motorist Arbitration $1,025,000.00
Settlement for Head-On Collision $865,000.00
Driver with Prior Spine Surgery $750 Thousand
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